Mortgage Maqul -
Purchase an apartment in the primary or secondary market
For clients with verified official income
See Your Terms
21,99% per annum
Interest rate
from 26%
Down payment
from 10 to 20 years
Repayment term
up to 800 mln UZS
Maximum mortgage amount
What you can buy
- Apartment in a new building (primary market).
- Apartment on the secondary market from the individual.
Who can apply
Citizens of the Republic of Uzbekistan aged 21 to 70 at the time of loan maturity. After the age of 63, life insurance or a co-borrower with income is required. Employee with officially confirmed income for the past 6 months (certificate or statement) Up to three co-borrowers are allowed, each of whom shall also have an official income.
Required documents
- Identity document (passport of the Republic of Uzbekistan)
- Sale and purchase agreement
- Cadastral documents
- Proof of income for the past 6 months
- ESMS checklist (environmental and social questionnaire) — completed during the transaction
- Collateral — the purchased property (arranged during the transaction)
Calculate your mortgage terms
Mortgage type
Property value
Down payment from 26%
Loan term
739 747.20
UZSLoan amount
UZS
Interest rate
21,99%
Apply for a mortgage in 4 steps
Fill out the online mortgage application
Get the bank’s preliminary decision in 10 minutes
Get a consultation and prepare your documents
Sign the contract and receive your funds at the bank's office — within 5 business days
Fill out the form — and we’ll find the best solution for you
About the program
A mortgage for purchasing housing on the primary or secondary market.
No grace period. Interest rate: 21.99% per annum.
What you can buy
An apartment on the primary or secondary market.
Who it’s for
Citizens of the Republic of Uzbekistan with verified (official) income.
Age
From 21 years old.
By the date of the final payment — no older than 70.
After age 63, a life insurance policy is required, or a co-borrower with income.
Loan term
From 10 to 20 years (up to 120–240 months).
Loan amount
Minimum — 50,000,000 UZS.
Maximum — up to 800,000,000 UZS (Tashkent) / up to 500,000,000 UZS (other regions and the Republic of Karakalpakstan).
Down payment
From 26% of the property value.
Interest rate
21.99% per annum.
Grace period
None.
Co-borrowers
Up to 3 co-borrowers with permanent income.
Their income is included in the calculation.
Income and debt load
Proven income for the last 6 months.
Minimum combined monthly income of the borrower / co-borrowers — from 1,050,000 UZS per month.
Maximum debt-to-income ratio (DTI) — up to 50%, meaning no more than 50% of income may already be going to loan payments.
Collateral
The purchased property is pledged as collateral.
Collateral requirements: the collateral’s value must not be lower than the property’s value.
Repayment
Monthly.
The repayment schedule can be annuity or differentiated (defined at signing).
Early repayment is allowed.
Payment date
You can choose a payment date between the 4th and the 20th of each month.
Late payment
Overdue amounts may be debited automatically from the borrower’s / co-borrowers’ card without additional approval.
Documents
- Passport / ID
- Sale and purchase agreement
- Proof of down payment
- Documents confirming that the property is ready for transfer (cadastral documents and the handover act)
- ESMS checklist (environmental & social compliance)
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Mortgage insurance
Here, we explain everything you need to know about insurance.
